I think there are two sorts of WDW holidays. There are those people who are hotel holidayers who want meals out, room service, housekeeping etc. that is not us we are a totally different type of holiday. We would never stay in a hotel room, we haven't since we became a family of four I want a full kitchen because I hate eating out every night I want a meal out to be a treat not an everyday thing. I want laundry facilities because frankly with two young boys a laundry room is a hassle. We also love having a lounge to hang in and separate bedrooms for separate bedtimes. We also want more than one bedroom. So for us buying DVC was not about saving money as compared to a Disney hotel room it was about being able to find an affordable way to stay in a Disney villa. Because we want to stay in a 2 bedroom for now and a 1 bedroom later DVC makes financial sense to us.
However if you are happy staying In a hotel room even with 5, want the
DDP whether paid or not I think it makes the financial case for DVC a lot harder to make.